895 Otter Lake Loop, Hanson, KY 42413 Property Records

Hopkins County property record for 895 Otter Lake Loop, Hanson, KY 42413

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,565 sqft · built 1997
Lot Size	1.6 acres (69,696 sqft)
Owner	Individual Name on Record
Last Sale	$425,000 (Jun 2023)
Tax Bill	$4,270 (2025)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Oct 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`OTTR-1-3-51A`

Property Details

APN / Parcel Number

Primary APN	`OTTR-1-3-51A`
Alternative APNs	`30502` `60547`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,565 sqft Living Area

Exterior

Year Built	Built 1997
Exterior Material	Brick Veneer
Construction Type	Concrete Block
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	69,696 sqft (1.6 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	60547
Street Address	895 OTTER LAKE LOOP
City	HANSON
State	KY
Zip	42413-9648
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DB 639 P 615
Legal Subdivision	OTTER LAKE
Jurisdiction	HOPKINS KY
Township / Civil Division	NEBO
Census Block Group	1
Census Block	1062
Census Tract	970200

Owner

Source: Hopkins County records, as of November 17, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	215 J D BUCHANAN RD, HANSON, KY 42413-9644
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 5, 2023	Deed, Transfer · Conventional Mortgage INDEPENDENCE BANK OF KENTUCKY
Oct 18, 2021	Deed of Trust, Mortgage FIFTH THIRD BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 5, 2023 · Amount on Record
Deed Sale	Jun 5, 2023 · Amount on Record
Prior Sale	May 9, 2005 · Amount on Record
Deed Document Number	2023005449
Deed Book / Page	DEED 814 / 123
Record Updated	Jun 8, 2026

June 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	HOPKINS KY
Recording Date	Jun 5, 2023
Property Address	895 OTTER LAKE LOOP, HANSON, KY 42413-9648
Document Number	DEED814/123
Book / Page	DEED 814 / 123
Map Reference	CAB 1 SL 342
Instrument Date	May 11, 2023
Instrument	2023005449
Transaction Type	Transfer
Record Updated	Jun 19, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$425.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	82 MARINER LN, ROTONDA WEST, FL 33947-2000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	895 OTTER LAKE LOOP, HANSON, KY 42413-9648

Mortgage

Document Number	2023005450
Date	Jun 5, 2023
Instrument	2023005450

Lender

Name	INDEPENDENCE BANK OF KENTUCKY
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.9%
Type Change Date	Jun 1, 2028
Change Frequency	5 Years
Min Rate At Change	5.95%
Max Rate At Change	7.95%
Index	Other
Margin	4
Max Rate	11.9%

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOPKINS KY
Property Address	895 OTTER LAKE LOOP, HANSON, KY 42413-9648
Transaction Type	Mortgage
Record Updated	May 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001344/767
Date	Oct 18, 2021
Book Page	1344/767
Instrument	2021012212

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Amount	Amount Recorded
Term	239 Months
Due	Sep 1, 2041

Tax Assessment & Valuation

Source: Hopkins County assessment roll, as of April 1, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Hopkins County
Unified School District	Hopkins County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,270.00 (+19.91%)	$425,000 (+21.71%)	$425,000 (+21.71%)
2023	$3,561.00	$349,200	$349,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective November 27, 2018 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	MADISONVILLE LIGHT & WATER serves 28,102 people · EPA ID KY0540936
Water Source	Surface water
Last State Inspection	Aug 2025
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Sep 2021 Total trihalomethanes resolved · Apr 2017
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 27 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Watch TV Fixed Wireless	100 / 20

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

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